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Personal Checking
CVB Free Checking
No monthly fees, no minimum balance, it's Free!
- Unlimited check writing
- Combined monthly statement
- No minimum balance requirement
- No service charges
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
NOW Account
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Account balance minimum of $750.00
- If account falls below the minimum balance requirement, a service
charge of $6.00 per month and $0.15 per check is assessed
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
CVB 55
A Free account for all of our customers 55 years of age or better!
- No monthly fees
- No minimum balance requirement
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
*Upon Approval
Business Checking
Regular Small Business
- Unlimited check writing
- Combined monthly statement
- $500.00 minimum balance requirement
- If account falls below the minimum balance requirement, a service
charge of $3.00 per month and $0.15 per check is assessed.
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Economy Small Business
- Unlimited check writing
- No Minimum balance requirement
- $5.00 per month service charge
- Combined monthly statement
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Business NOW
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Minimum balance requirement of $750.00
- If account falls below the minimum balance requirement, a service
charge of $6.00 per month and $0.15 per check is assessed.
- Available only to Sole Proprietorships
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Large Corporate Analyzed Account
- Call your local Chippewa Valley Bank office for information on our
Large Corporate Analyzed Accounts.
*Upon Approval
Elan Merchant Card Services
- Allows your business to accept virtually all credit cards, debit
cards and check cards.
- Electronic draft capture technology allows you to verify funds
immediately.
- Convenient and easy to read monthly statements.
Statement Savings
Earn interest while having immediate access to your money. Our
savings account provides you with liquidity, flexibility and safety.
- Interest bearing
- $100.00 minimum balance
- If account falls below the minimum balance requirement, a service
charge of $2.00 per month is assessed.
- Fees are waived for minors 18 years of age and under
- Quarterly statement and passbooks are available
- Can be part of combined monthly statement to include customer's
checking, savings, certificates of deposit and loan accounts.
- A service fee of $1.00 will also be assessed for each withdrawal
exceeding 3 per month. This fee will be waived if you have other deposit
accounts at Chippewa Valley Bank or if your savings account maintains a
balance of $2500.00. This fee will also be waived for minors.
- Free Unlimited Phone and Online Banking
- Free Instant Cash/Debit Card*
*Upon Approval
Money Market Savings
Provides a higher rate of return on larger balances with all the
flexibility of a regular savings account.
- Interest bearing paid monthly
- $2500.00 minimum balance requirement
- If account falls below the minimum balance requirement, a service
charge of $15.00 per month is assessed.
- Tiered interest rates depending on account balance
- Combined monthly statement
- Free Unlimited Phone and Online Banking
Certificates of Deposit
Our certificates give you competitive interest rates with all the
safety and security you need.
- $500 minimum balance requirement
- Terms range from 91 days to 60 months
- Interest can be paid one of the following ways:
- Compounded (added to CD principal balance)
- Transferred to another account
- Paid directly to you by check
- Early withdrawal penalties are assessed if the principal is
withdrawn before the maturity date.
IRAs
 IRA's are a great way to defer taxes and save for retirement. Check
with one of our IRA specialists for more information on our unique
Savings IRA.
- No minimum deposit to open
- Interest paid semi-annually
- There are no penalties on early withdrawals assessed by Chippewa
Valley Bank; however, there are Federal IRA penalties imposed on early
withdrawals.
Health Savings Accounts
Health Savings Accounts are intended to help you save money and take
greater control of your health care costs. HSAs are always coupled
with a High Deductible Health Plan (HDHP). HDHPs feature much lower
premium payments than typical Low Deductible Plans. The money you
save on premium payments can be invested in your HSA. Those funds
will be available to help cover out-of-pocket qualified medical
expenses. You are permitted to deduct the full amount of your
contributions to your HSA and you do not pay taxes on the earnings
as long as you spend them on qualified medical expenses.
To find out if you qualify for a Health Savings Account, please
consult your attorney, tax of financial advisor with regard to your
personal situation. Once you know that you are qualified, please
contact the HSA Department at the Chippewa Valley Bank office
location closest to you. We will be happy to assist you in opening
your Health Savings Account.
Cash/Debit Cards
Get worldwide access to your account to obtain cash and make purchases 24 hours a day! Have you ever opened your checkbook and realized that you were out of checks? Have you ever needed to make a purchase and the business doesn't accept checks? Tired of the lengthy time it takes to write checks? Chippewa Valley Bank Cash/Debit cards make all of these transactions possible and there are so many other advantages:
- Ease of Use - There's no checkbook to remember, no checks to reorder, and no check writing needed at your point of sale.
- Acceptance - Practically every merchant accepts MasterCard, while many restrict check acceptance to local residents or don't accept checks at all.
- Fraud Security - Like a credit card, Cash/Debit cards protect you from fraudulent use. See the Fraud Detection info below.
- Better Purchase Tracking-Cash/Debit card transactions show up on your monthly statement in addition to your checks and deposits. However, since Cash/Debit card transaction are completely electronic, greater detail about the retailer is captured, allowing you to keep track of your purchases without writing lengthy descriptions in your check register or using duplicate checks.
- Cash cards allow you to make cash withdrawals from your accounts at ATMs and make purchases using your Pin number where merchants allow, up to your daily dollar limit.
- Debit cards not only allow you to withdraw money from your accounts, you can also make purchases wherever MasterCard is accepted up to your daily dollar limit. The money is taken directly out of your checking account.
To report a lost or stolen Cash/Debit card: If your cash/debit card has been lost or stolen, and it is during normal business hours, please call your local office. If after normal business hours, on a weekend or holiday, you may also call our Hot Card Service Center at 1-800-554-8969. Please follow up with your local office during normal business hours.
Cash/Debit Card Fraud Detection
We may be calling you...To protect your account, we monitor your Cash and Debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.
If we suspect fraudulent Cash/Debit card activity, we'll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.
- Our automated call will ask you to verify recent transaction activity on your card.
- You'll be able to respond via your touchtone keypad.
- You'll also be provided with a toll-free number to call should you have additional questions.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your current phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
Check Reorder
CVB Checks
Chippewa Valley Bank is always trying to give our customers the best
service possible. To this end, we are now offering Chippewa Valley Bank
checks at a lower cost to our customers. We offer both Personal and
Business checks in a number of designs and the quality is equal to the
higher-priced check vendors. The turnaround time is much faster and you
can save money by securely picking up your order. If you would like to print an
order form, just click on the link below. After printing the order form,
fill it out accordingly and either mail or fax it to us, or you can also
drop it off at one of our convenient office locations. Once your order
is received, it will be ready in two days. If you have questions or if
you would like more information, please call the Winter office.
Deluxe Checks
Our online service provides you with the ability to conveniently
reorder your checks in a secure environment. Checks may be reordered
online if the following apply:
- They are the same style as your last order
- They have the exact same name and address as your last order
- The new check order sequence number follows your last order's
sequence numbers
- They will be delivered to the same mailing address as your last
check order.
If all of the above apply, click the Deluxe Check Reorder Link below!
Account Disclosures
Our disclosure includes important information about your accounts
such as:
- Terms and Conditions
- Electronic Transfers
- Funds Availability
- Truth in Savings
- Your Rights and Responsibilities
- Confidentiality Information
If you would like to request a copy of our Account Disclosure, please
Contact Us.
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